中小企业金融服务及商业银行金融创新探析.docVIP

中小企业金融服务及商业银行金融创新探析 　　【摘 要】对浙江省湖州市中小企业进行调研，通过调查问卷的方式，对受访对象进行一对一面对面的访问，了解和分析中小企业的金融服务需求和商业银行金融创新状况，发现中小企业面临着融资难以及商业银行金融创新不足的问题。为加强和完善商业银行对中小企业的金融服务，提出建立与中小企业相匹配的中小金融机构；完善中小企业的信息收集和披露制度；改革商业银行信贷管理方式，简化借贷链条中间环节，建立能够防范中小企业信贷风险的有效机制；统一规划并且有针对性地进行金融产品创新，开发适应不同需求与选择的金融产品及服务；完善信用体系，加强与政府的合作，建立以政府扶持的中小企业信用担保体系等若干建议 【Abstract】The research of small and medium-sized enterprise in Huzhou city Zhejiang province by questionnaire， visiting the respondents face to face， understanding and analysis the small and medium-sized enterprise financial service demand and the commercial bank financial innovation condition， finding that the small and medium-sized enterprises faced the financing difficulties and the shortage of commercial bank financial innovation problems. In order to strengthen and perfect the financial services of commercial banks for small and medium-sized enterprises， proposed that match the small and medium-sized financial institutions to small and medium enterprises， improve the system of small and medium-sized enterprises information collection and disclosure， reform the commercial bank credit management practices， lending to simplify the intermediate links， to establish an effective mechanism for small and medium-sized enterprise credit risk， unified planning and targeted for financial products innovation and development to adapt to different requirements and selection of financial products and services； perfect credit system， strengthen the cooperation with government， establish the government support the small and medium-sized enterprises credit guarantee system of some suggestions. 【?P键词】商业银行；中小企业金融服务；金融创新 【Keywords】commercial bank； small and medium-sized enterprise； financial innovation 【中图分类号】832.2 【文献标志码】A 【文章编号】1673-1069（2017）03-0031-04 1概述 中小企业是推动国民经济发展、构造多元化市场经济主体、促进社会稳定、缓解就业压力的重要力量。特别是当前，在确保国民经济适度增长、缓解就业压力、实现科教兴国、优化经济结构等方面，发挥着越来越重要的作用。中小企业金融服务状况也一直是社会关注的焦点，尤其是目前中小企业融资难已然成为制约其发展的主要“瓶颈”。但是并非所有的中小企业都融资困难，并且不同地区中小企业所面临的融资状况也不相同，本文将根据2016年8月22日-20